Insurance for nomads who deliberately have no tax residency anywhere

You're a perpetual traveler in the deliberate sense — not "I move around a lot," but structurally tax-non-resident anywhere. You've thought about flag theory. You may have a passport from one country, a company in another, banking in a third, and physical presence rotating across several more. You spend under {{TOKEN_DAYS}} in any single jurisdiction to avoid triggering tax residency.

You're typically {{TOKENAGERANGE}}, often self-employed, often running a location-independent business with healthy enough revenue that the tax structuring is worth the operational complexity. You've read enough to know what you're doing. You're not asking basic questions about whether nomad insurance exists.

What you're asking is harder: which carriers actually accept someone without a stated tax residence? What do you put on the application's "country of ordinary residence" field when the honest answer is "none"? What happens at claim time, six months in, when an adjuster asks for a "home address" to process a payout?

Most generic travel insurance technically accepts you — but most generic travel insurance also isn't real medical coverage. The serious IPMI carriers (Cigna, Bupa, Aetna, Allianz Care) generally require residency proof during underwriting. The middle category — Passportcard, April International, and a small number of others — has products that work, but only specific variants, and only if the application is filled in correctly.

This is the persona where getting the wrong policy is genuinely worse than having no policy. A denied claim two years in, because residency was misrepresented on the application, leaves you with bills and no recourse.

• Carriers that actually accept no-residency applications. This is the threshold question. The serious-IPMI big four typically decline. The carriers that do accept are a shorter list, and the right variant within those carriers matters.
• No-residency-required underwriting. Some policies allow "country of citizenship" in place of country of residence. Others allow a stated country of ordinary presence even without tax residency. Read the underwriting questions, not just the marketing page.
• Honest answers on the application. The temptation is to put down a country you visit occasionally, because something needs to go in the field. This is risky. At claim time, an insurer can request residency proof — utility bills, lease, tax certificate. If you can't produce it, the policy can be voided retroactively. Better to use a carrier whose product is built for your actual situation than to misrepresent on a carrier whose product isn't.
• Cashless claims, not reimbursement. When you don't have a fixed bank address, reimbursement workflows get messy. Passportcard's cashless model sidesteps this — the card is the payment mechanism, no "send funds to your home country bank account" loop.
• Worldwide-ex-US, or US-included with eyes open. Most perpetual travelers actively avoid the US (substantial-presence-test risk, FATCA exposure). If that's you, ex-US pricing is significant. If you do touch the US, declare it.
• Long-term renewability without re-underwriting. You don't want to be re-underwritten every year as your life situation evolves. Once accepted, you want the policy to renew on the original terms.

• Many carriers REQUIRE residency proof and will decline you. This is the baseline reality. Don't waste cycles applying to Cigna, Bupa, Aetna, or similar without an address you can document.
• Tax-residency questions on application forms. "Are you a tax resident of any country?" is increasingly a standard question. Answering "no" on the wrong carrier's form triggers a decline. Answering "yes" falsely creates a misrepresentation problem at claim time.
• What happens at claim time if you can't show a "home address." Even on a no-residency-required policy, claims adjusters sometimes ask for an address for payment processing. Have a stable mailing address sorted before you need to claim.
• The "country of ordinary residence" trap. This phrase appears on most applications. It is NOT the same as tax residence. "Ordinary residence" can mean where you ordinarily are present, even without tax residency. But carriers interpret this differently. Ask in writing before binding.
• US substantial-presence-test exposure. If you're managing US-day-counting, your insurance application's "countries spent" disclosure should match the picture you're presenting to tax authorities.
• Re-underwriting on switching. Switching carriers is harder for perpetual travelers — the underwriting friction repeats. Stay on a policy that works.
• Stated location at policy bind. Some policies set your coverage zone based on where you were located at the time of application. Moving to a different geographic zone may require notification or trigger a re-rate.